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Wow Mortgage

Be mortgage free in as little as 7 1/2 years!


2.753% APR1

3.251% APR1

  • 30 Day Close Guarantee2
  • Available in 7 1/2, 10, 14 1/2 and 19 1/2 year terms.
  • No Points
  • Purchase or Refinance
  • Easy, user friendly application process.


1WOW Mortgages are available on 1st lien, 1-4 family owner occupied primary residence or vacation homes with a minimum loan amount of $25,000. Annual Percentage Rates (APRs) range from 2.753% for 7½ years with a monthly payment of $12.31 per $1,000 borrowed to 3.501% for 19½ years with a monthly payment per $1,000 borrowed of $5.90. Payments disclosed do not include taxes & insurance. If you choose to establish an escrow account, the actual payment obligation will be greater. Advertised APRs require loan amount not to exceed 80% of the value of the property and borrowers must meet specific underwriting criteria. Optional rate lock fee of $200 is payable at application. Property insurance is required; flood insurance may be required if applicable. Title insurance may be required with WOW Mortgages over $100,000.00. Rates reflect a 0.25% reduction for loan payments being auto drafted from an FNCB checking account. Loan terms are accurate as of 12/22/20 and are subject to change without notice. All loans are subject to credit approval. 

2The “30 Day Closing Guarantee” time frame on WOW Mortgages begins upon FNCB’s receipt of a borrower’s completed mortgage loan application including all applicable financial  information. $100 will be credited to borrower’s FNCB deposit account if an approved loan is not closed within a period of 30 business days and the delay in closing is caused by FNCB. To qualify for the 30 day closing guarantee, the borrower must provide any additional documentation required by FNCB within 48 hours of the request and schedule an appraisal within 24 hours of initial contact by appraiser. Credit will not be applied if the borrower or their representative caused the delay. FNCB NMLS #410367.

Our Mountain Top branch is open for Drive-Thru and appointment banking. All other locations are fully open.

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